SYF

Synchrony Financial (SYF) reported Q3 adjusted EPS of $2.68, beating estimates by 8.1% despite a 6.3% year-over-year decline. The company raised its 2026 EPS outlook to approximately $9.50 per share, driven by strong purchase volume growth of 8% to $49.7 billion and improved credit performance, though higher operating expenses and credit loss provisions partially offset gains.

Synchrony reported Q3 2026 earnings of $2.68 per share, beating consensus estimates of $2.48 by 8.07%, but missed revenue expectations with $4.81 billion versus the estimated $4.96 billion. The stock has underperformed the S&P 500 by 23.4% year-to-date and carries a Zacks Rank #3 (Hold) rating. The Financial - Miscellaneous Services industry ranks in the bottom 31% of Zacks industries.

Synchrony Financial (SYF) is expected to report Q3 2026 earnings on Oct. 20 with EPS forecasted at $2.48 (down 13.3% YoY) on $4.84B revenues (up 2.6% YoY). While purchase volumes and interest-earning assets are expected to grow, the company faces headwinds from higher employee and processing costs, nearly 10% RSA growth, and a declining net interest margin. The stock has a positive Earnings ESP of +5.87% and Zacks Rank #3, suggesting a likely earnings beat.